2026-10-21 · Source: Insurance Thought Leadership
Summary in 3 Points • Insurers are waiting for core platform vendors to deliver native AI capabilities instead of risky integrations. • Carriers are using their position as long-term platform customers to create a buyer's advantage in AI adoption. • A May 2026 IA Capital Group survey found OpenAI's models in 91% of respondents' AI stacks. --- Insurers are currently hesitant to adopt AI due to the complexities involved in integrating standalone AI tools with existing core platforms. Many carriers are waiting for their core vendors, such as Duck Creek and Guidewire, to deliver native AI capabilities, which they believe will mitigate risks associated with third-party integrations. This cautious approach allows them to leverage their long-term relationships with vendors to ensure they receive the best solutions without incurring additional costs or complications. A recent survey by IA Capital Group revealed that 91% of national and regional carriers have incorporated OpenAI's models into their AI stacks, indicating a selective approach to AI adoption. While carriers are not averse to AI, they prefer to wait for their core systems to evolve before committing to new tools. This strategy allows them to avoid the pitfalls of integration complexity while still benefiting from advancements in AI technology as they become available within their existing systems. Carriers are strategically waiting for core platform vendors to deliver native AI capabilities, avoiding the risks of third-party integrations and leveraging their long-term relationships.
Carriers are strategically waiting for core platform vendors to deliver native AI capabilities, avoiding the risks of third-party integrations and leveraging their long-term relationships.